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3186 Bayview Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3186 Bayview Ln, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3 Baths
Year BuiltBuilt 2004
Square Footage2,691 sqft Living Area
Lot Size12,850 sqft (0.295 acres)
OccupancyOwner Occupied
Last Sale$394,500 (2020)
Tax Bill$5,014.00 (2025)

Property Details

APN / Parcel Number

Primary APN26-26-30-0629-0001-2830
Alternative APNs
  • 263026062900012830
  • 88271

Interior

Bedrooms5 Beds
Full Baths3 Baths
Building Area2,691 sqft Living Area
Gross Area3,767 sqft Gross Area
1st Floor2,691 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,850 sqft (0.295 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area690 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area435 sqft Pool
Deck Area489 sqft Deck
Porch Area386 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3186 BAYVIEW LN
CitySAINT CLOUD
StateFL
Zip34772-8508
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSAWGRASS UNIT 4 PB 13 PGS 1-2 LOT 283
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionSAWGRASS UNIT 4
Legal Tract629
Legal Block2830
Legal Lot Number283
Legal Unit4P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2000
Census Tract43304

Owner

Source: Osceola County records · APN 26-26-30-0629-0001-2830

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 06, 2026Deed of Trust, Mortgage · Conventional Mortgage
NAVY FEDERAL CREDIT UNION
Nov 28, 2023Deed of Trust, Mortgage · Stand Alone Second Mortgage
NAVY FCU
Oct 01, 2020Warranty Deed, Transfer · Conventional Mortgage
HAMILTON GROUP FUNDING INC
Jul 22, 2019Warranty Deed, Transfer · Conventional Mortgage
UNITED COMMUNITY BANK

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 01, 2020 · Amount on Record
Deed SaleOct 01, 2020 · Amount on Record
Prior SaleJul 22, 2019 · Amount on Record
Deed Doc Number2020131844
Deed Book / Page5804 / 791
Record RefreshedSep 20, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateAug 06, 2026
Property Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Document Number0000103201
Book / Page7016 / 1884
Instrument DateJul 28, 2026
Instrument2026103201
Transaction TypeMortgage
Record UpdatedAug 17, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508

Mortgage

Document Number0000103201,
DateAug 06, 2026
Book Page7016/1884
Instrument2026103201
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueSep 01, 2036
Interest
Rate TypeFixed Rate
Rate6.43%
Initial TypeFixed Rate
Max Rate-1%

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Transaction TypeMortgage
Record UpdatedDec 20, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508

Mortgage

Document Number0065101975
DateNov 28, 2023
Book Page6510/1975
Instrument2023155311
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term240 Months
DueNov 01, 2043

October 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 01, 2020
Property Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Document Number0058040791
Book / Page5804 / 791
Map ReferenceMB 13 PG 1&2
Instrument DateSep 23, 2020
Instrument2020131844
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyQUALITY TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,761.50
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1400 56TH SQ W, 1400, VERO BEACH, FL 32966-2396

Transferred To (Grantee/Buyer)

NameVerified Name
Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508

Mortgage

Document Number0005804793
DateOct 01, 2020
Instrument5804/793
Lender
NameHAMILTON GROUP FUNDING INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 22, 2019
Property Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508
Document Number0055600611
Book / Page5560 / 0611
Map ReferenceMB 13 PG 1
Instrument DateJul 19, 2019
Instrument2019093906
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,590.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address14234 GLEN FARMS DR, 14234, GLEN SAINT MARY, FL 32040-3441

Transferred To (Grantee/Buyer)

NameVerified Name
Address3186 BAYVIEW LN, SAINT CLOUD, FL 34772-8508

Mortgage

Document Number0005560612
DateJul 22, 2019
Instrument5560/612
Lender
NameUNITED COMMUNITY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,014.00 (+6%) Homeowner's exemption$323,055 (+5.99%)$475,000 (+5.51%) Land $75,000 Building $400,000
2023$4,730.00 (+3.43%) Homeowner's exemption$304,807 (+3%)$450,200 (+14.38%) Land $60,000 Building $390,200
2022$4,573.00 Homeowner's exemption$295,930$393,600 Land $60,000 Building $333,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskModerate
above 47% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 585 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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